Compare 2012 Honda Pilot Insurance Quotes

Wish you could get out of high-priced car insurance? Say no more because many drivers feel the same as you.

With people having so many insurance providers from which to choose, it can be challenging to find a more affordable car insurance provider.

It’s a good habit to check car insurance prices before your next renewal since insurance prices change frequently. Just because you found the lowest quotes on Pilot insurance two years ago there may be better deals available now. Ignore everything you know about car insurance because you’re going to get a crash course in how to use online quotes to save money, get proper coverage and the best rates.

How to get free insurance quotes online

To find the best insurance rates, there are several ways to get quotes from many different insurance companies. The recommended way to comparison shop is simply to get online rate quotes. This is quite simple and can be completed using a couple different methods.

• If you are pressed for time, the simplest way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating multiple quote forms for every company. Completing one form compares rates instantly.
• A more difficult way to get quotes online is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let’s assume you want comparison quotes from State Farm, Safeco and Liberty Mutual. To get rate quotes you would need to spend time going to each site individually and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
• The final method to comparison shop is to spend your day driving to each insurance agency near you. Comparing rates online eliminates the need for an insurance agent unless you’re the type of person who wants the personal advice that only an agent can give. Drivers can compare online quotes but have a local agent actually write the policy.

It’s your choice how you get your quotes, but ensure you are comparing the same coverage limits and deductibles for each quote you get. If the quotes have different deductibles you can’t possibly determine which company has the best rates. Quoting even small variations in coverage limits can result in a big premium difference. Just remember that obtaining a wide range of quotes will enable you to find a better price. Not every company allows you to get online quotes, so it’s recommended that you also compare price quotes from them as well.

Lower rates by qualifying for discounts

Companies that sell car insurance don’t always advertise every discount in a way that’s easy to find, so the next list breaks down a few of the more well known and the more hidden insurance coverage savings.

• Homeowners Discount – Just being a homeowner may trigger a policy discount on insurance coverage because owning a home means you have a higher level of financial diligence.
• Organization Discounts – Being in certain professional organizations can get you a small discount when shopping for insurance coverage.
• Multi-car Discount – Insuring multiple cars on one policy could earn a price break for each car.
• Claim Free – Insureds who avoid accidents and claims pay less in comparison with policyholders that have many claims.
• Discount for Swiching Early – Select insurance coverage companies give a discount for switching companies prior to your current policy expiring. Ten percent is about the average savings.
• Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
• Online Discount – Some insurance companies will provide an incentive for completing your application on the internet.
• Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The good student discount can last up until you turn 25.

Don’t be surprised that most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.

A few popular companies and a summarized list of policyholder discounts are shown below.

• Progressive includes discounts for online quote discount, multi-policy, homeowner, continuous coverage, multi-vehicle, online signing, and good student.
• AAA offers discounts including anti-theft, pay-in-full, AAA membership discount, multi-car, and multi-policy.
• Farmers Insurance discounts include distant student, teen driver, multi-car, early shopping, electronic funds transfer, and alternative fuel.
• Geico may offer discounts for federal employee, daytime running lights, membership and employees, five-year accident-free, and anti-theft.
• Esurance policyholders can earn discounts including DriveSense, anti-lock brakes, homeowner, Switch & Save, multi-policy, safety device, and renters.
• SAFECO offers premium reductions for accident prevention training, multi-car, anti-lock brakes, drive less, and safe driver.
• State Farm offers discounts for good student, multiple policy, good driver, Drive Safe & Save, anti-theft, driver’s education, and safe vehicle.

If you need lower rates, check with all companies you are considering which discounts you qualify for. A few discounts might not be offered everywhere. To choose providers who offer cheap insurance coverage quotes, click here.

Car insurance is unique, just like you

When it comes to choosing coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique so this has to be addressed. These are some specific questions could help you determine if you might need an agent’s assistance.

• If I drive on a suspended license am I covered?
• Can my teen driver be rated on a liability-only vehicle?
• Should I drop comprehensive coverage on older vehicles?
• What is PIP insurance?
• Where can I get insurance after a DUI in my state?
• Can I afford low physical damage deductibles?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance 101

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on most auto insurance policies.

Auto liability – Liability insurance will cover damage that occurs to a person or their property in an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things like bail bonds, attorney fees, medical services, emergency aid and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Collision coverages – Collision coverage will pay to fix damage to your Pilot resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, falling objects and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Honda Pilot.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses for things like funeral costs, EMT expenses, hospital visits and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay